608 S 3rd St, Saint Charles, IL 60174 Property Records

Kane County property record for 608 S 3rd St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,343 sqft · built 1987
Lot Size	0.66 acres (2,872 sqft)
Owner	2 Individual Names on File
Last Sale	$252,500 (Dec 2023)
Tax Bill	$5,341 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-179-027`

Property Details

APN / Parcel Number

Primary APN	`09-34-179-027`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,343 sqft Living Area
Basement Area	790 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Architectural Style	Condo/Apartment
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,872 sqft (0.66 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	608 S 3RD ST
City	SAINT CHARLES
State	IL
Zip	60174-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 173-CONDOS MULTI-FAM
Legal Subdivision	PRAIRIE MANOR CONDOS
Legal Block	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4001
Census Tract	852201

Owner

608 S 3rd St is owned by two individuals who bought it in December 2023.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3N992 WALT WHITMAN RD, SAINT CHARLES, IL 60175-6500
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2023 · Amount on File
Deed Sale	Dec 4, 2023 · Amount on File
Prior Sale	Aug 24, 1999 · Amount on File
Deed Document Number	202342132
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 4, 2023
Property Address	608 S 3RD ST, SAINT CHARLES, IL 60174-3909
Document Number	0000042132
Map Reference	DOC 1853240
Instrument Date	Nov 27, 2023
Instrument	2023K042132
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 S 3RD ST, ST CHARLES, IL 60174-3909

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	30992 WALT QUICKAMN RD, SAINT CHARLES, IL 60175

Mortgage

Document Number	0000042133
Date	Dec 4, 2023
Instrument	2023K042133

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 608 S 3rd St was $5,341, up 2.5% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	St. Charles City
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,341.00 (+2.53%)	$76,163 (+8.53%) Land $20,208 Building $55,955	$228,580 (+8.53%) Land $60,648 Building $167,932
2024	$5,209.00	$70,177 Land $18,620 Building $51,557	$210,615 Land $55,882 Building $154,733
2022	$4,607.00 (+4.4%) Homeowner's exemption	$63,066 (+4.91%) Land $18,446 Building $44,620	$189,198 (+4.91%) Land $55,338 Building $133,860
2021	$4,413.00 Homeowner's exemption	$60,115 Land $17,583 Building $42,532	$180,345 Land $52,749 Building $127,596

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 608 S 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 608 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES serves 33,081 people · EPA ID IL0894830
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20